Why are more Americans studying in Germany than ever before? The answer is clear — there’s free college in Germany. In fact, there are three countries with free college for American students, plus three more that cost next to nothing. And don’t worry, the courses are in English.
By studying abroad, you can get your Bachelor’s degree without paying a dime on tuition. Read on to learn about free college in Europe and around the world.
Here are three countries with free college, no strings attached
Have you ever thought about going to college abroad? Not only can you reap the benefits of free tuition, you can travel the world and encounter unique perspectives.
You can find completely free college in Europe if you go to one of the following three countries.aus
As of 2014, Germany no longer charges tuition fees for students, German and international alike. Thanks to its tuition-free policy, more American students study in Germany every year.
Over 4,600 Americans were enrolled full-time in German universities in 2015, a 20 percent increase from three years before. And they’re not the only ones.; Germany had almost 83,000 international students studying for their Bachelor’s degrees in 2015.
Germany is home to world-class universities, including the prestigious LMU Munich, Heidelberg University, and Humboldt University in Berlin. If you’re interested, you can learn more through the German Academic Exchange Service.
Most of Norway’s universities are tuition-free for international undergraduate and graduate students. You may have to pay a semester fee of a few hundred dollars, but otherwise, you won’t spend anything on tuition.
Before buying your ticket, you should know that Norway has one of the highest costs of living in the world. What you save in tuition you may end up spending on food and drinks!
The 6,200-student University of Luxembourg charges no tuition fees for foreign students. It teaches a range of programs in English, French, and German. Its student body is over 50 percent international, and lecturers hail from 20 different countries.
At the University of Luxembourg, you’ll find a uniquely multicultural environment. The college even requires undergraduates to spend one semester abroad. If you studied there, you’d have a double study abroad experience.
As for cost of living, you can get a sense of your budget on the university’s website. Among other items, it tells you the going rate for bus tickets and potatoes.
Besides these countries with free college, there are several others with exceptionally low tuition costs.
Three countries with nearly free college in Europe
France has its fair share of prestigious universities, many of which teach programs in English. Its public universities have the lowest tuition fees. French colleges offer over 1,200 programs designed for English-speaking students.
Tuition costs at Spanish public universities average between $910 and $1,875 a year. While most programs are in Spanish, you can find some English ones at universities like the Autonomous University of Madrid (UAM) and the Global Business School in Barcelona.
A few other options for low-cost tuition
Beyond this list, you can find inexpensive options in a variety of other countries, including Finland, Sweden, Malaysia, and the Czech Republic. Your best bet is to peruse bachelorsportal.eu to learn about programs all over the world.
If you’re bilingual, then you have even more options for countries with free college. For instance, if you speak Spanish or Portuguese, then you could study for free or nearly free in Argentina or Brazil, respectively.
While a free college education is a great deal, there are pros and cons to getting your degree abroad.
Should you study in one of the countries with free college?
- You’ll graduate from college free of student loan debt.
- You’ll have a unique experience; studying abroad is the ultimate way to learn about new cultures, and encounter diverse perspectives.
- You’ll also gain a global perspective, valuable in today’s job market. Your time abroad could help your resume stand out to future employers.
- Studying in another country is a big adventure! You’ll create a ton of memorable experiences while broadening your horizons far from home.
- You’ll have to do a lot of research about universities and programs to make sure you’re applying to the right one.
- Besides going through an unfamiliar application process, you’ll likely need to apply for a student visa.
- The university you choose may not have the same kind of name recognition to future employers as an American school.
- Your options for majors may be more limited than they would be in the states.
- Living in another country requires major adaptability and independence. Going to college is already a major life transition; having to adjust to a new country on top of everything else may be way too much to handle. It’s totally understandable if you’re not ready to move to another country at the age of 18.
Earning your Bachelor’s degree abroad: final thoughts
With the cost of private college in the U.S. averaging $32,410 a year, students are looking for alternatives. Studying in one of the countries with free college can save you from student loan debt, plus you can get a world-class education and the chance to travel the world.
Of course, not everyone will enjoy leaving the country for four years. You might prefer to go to college in the U.S. and spend a semester abroad.
If you’re interested in this option, then do your research, clarify your goals, and think about the benefits and challenges of attending free college in another country.
You may find yourself with cheap options for college stateside too, thanks to scholarships and financial aid. For more info, check out this article on finding scholarships. Then, head over here to learn about how to ask for more financial aid — and actually get it!
Need a student loan?Here are our top student loan lenders of 2019!
|* The Sallie Mae partner referenced is not the creditor for these loans and is compensated by Sallie Mae for the referral of Smart Option Student Loan customers.
1 = Sallie Mae Disclaimer: Click here for important information. Terms, conditions and limitations apply.
2 Important Disclosures for Earnest.
Explanation of Rates “With Autopay” (APD)
In school deferred payment is not available in AL, AZ, CA, FL, MA, MD, MI, ND, NY, PA, and WA).
3 Important Disclosures for College Ave.
College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.
(1)All rates shown include the auto-pay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.
(2)This informational repayment example uses typical loan terms for a freshman borrower who selects the Deferred Repayment Option with a 10-year repayment term, has a $10,000 loan that is disbursed in one disbursement and a 8.35% fixed Annual Percentage Rate (“APR”): 120 monthly payments of $179.18 while in the repayment period, for a total amount of payments of $21,501.54. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.
(3)As certified by your school and less any other financial aid you might receive. Minimum $1,000.
Information advertised valid as of 7/1/2019. Variable interest rates may increase after consummation.
4 Important Disclosures for Discover.
5 Important Disclosures for CommonBond.
A government loan is made according to rules set by the U.S. Department of Education. Government loans have fixed interest rates, meaning that the interest rate on a government loan will never go up or down.
Government loans also permit borrowers in financial trouble to use certain options, such as income-based repayment, which may help some borrowers. Depending on the type of loan that you have, the government may discharge your loan if you die or become permanently disabled.
Depending on what type of government loan that you have, you may be eligible for loan forgiveness in exchange for performing certain types of public service. If you are an active-duty service member and you obtained your government loan before you were called to active duty, you are entitled to interest rate and repayment benefits for your loan.
A private student loan is not a government loan and is not regulated by the Department of Education. A private student loan is instead regulated like other consumer loans under both state and federal law and by the terms of the promissory note with your lender.
If your private student loan has a fixed interest rate, then that rate will never go up or down. If your private student loan has a variable interest rate, then that rate will vary depending on an index rate disclosed in your application. If the interest rate on the new private student loan is less than the interest rate on your government loans, your payments will be less if you refinance.
If you don’t pay a private student loan as agreed, the lender can refer your loan to a collection agency or sue you for the unpaid amount.
Remember also that like government loans, most private loans cannot be discharged if you file bankruptcy unless you can demonstrate that repayment of the loan would cause you an undue hardship. In most bankruptcy courts, proving undue hardship is very difficult for most borrowers.
6 Important Disclosures for PNC.
Fixed Annual Percentage Rates (APRs): APRs range from 4.52% to 9.58% for a 5-year term. APRs range from 5.05% to 10.26% for a 10-year term. APRs range from 5.55% to 10.84% for a 15-year term. Fixed rates are based on the creditworthiness of the borrower and co-signer, if any. Loan Payment Example: The monthly payment per $10,000 borrowed at a fixed rate range of 5.05% APR to 10.26% APR for 10 years means you would make 120 payments which may range from $131.94 to $207.24. For the fixed rate loan, the monthly payment will remain fixed for the term of the loan. Payments may vary for other repayment term options.
Variable Annual Percentage Rates (APRs): APRs range from 4.90% to 9.92% for a 5-year term. APRs range from 5.38% to 10.57% for a 10-year term. APRs range from 5.85% to 11.11% for a 15-year term. Variable rates are based on the London Interbank Offered Rate (LIBOR) index plus a margin depending on the creditworthiness of the borrower and co-signer, if any. The LIBOR index, adjusted quarterly, is equal to the average of the one-month LIBOR rates as published in the “Money Rates” section of the Wall Street Journal on the first business day of each of the three (3) calendar months immediately preceding each quarterly adjustment date. The LIBOR index is currently 2.47%. If the index increases or decreases, your rate will increase or decrease accordingly. Loan Payment Example: The monthly payment per $10,000 borrowed at a variable rate range of 5.38% APR to 10.57% APR for 10 years means you would make 120 payments which may range from $135.93 to $212.65. For the variable rate loan, the monthly payment may increase or decrease if the interest rate increases or decreases. Payments may vary for other repayment term options.
APRs and loan payment examples are for the fully deferred repayment option for the Undergraduate & Graduate loan programs and include the 0.50% interest rate discount for automatic payments. The lowest APR is available to well qualified applicants. Your actual APR will be based on your credit qualifications, selection of fixed or variable rate option, loan program, repayment term, repayment option and whether you elect the automatic payment feature. Loan payment examples assume 30 days to first payment after the deferment period (45 months in school and 6 month grace period). Payments vary for other rates, repayment terms and repayment options.
In addition to Undergraduate and Graduate loans, PNC offers loans for Health & Medical Professions, Health Professions Residency and Bar Study. Rates may vary by loan program and are subject to change at any time. Visit pnconcampus.com for current rates, additional loan payment examples and more details about the Solution loan products.
Please note: PNC reserves the right to modify or discontinue the terms of these program at any time without notice. You are encouraged to explore all scholarship, grant and federal borrowing options before applying for a private loan. Private loans are subject to credit approval.
PNC is a registered service mark of The PNC Financial Services Group, Inc.
|3.98% – 11.35%*,1||Undergraduate and Graduate|
|3.99% – 11.44%2||Undergraduate and Graduate|
|3.96% – 11.98%3||Undergraduate, Graduate, and Parents|
|4.72% – 11.87%4||Undergraduate and Graduate|
|3.66% – 9.64%5||Undergraduate and Graduate|
|4.90% – 11.11%6||Undergraduate and Graduate|